Duluth, MN homeowners insurance is roughly $852 to $1,156, about $71-$96/month. Our all inclusive guide shows customers can save as much as $401 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Duluth, MN | Homeowners Insurance Agency Near Duluth, MN | Address |
|---|---|---|
| State Farm | Cory Fairchild | 2014 London Rd, Duluth, MN, 55812-2125 |
| Travelers | Holden Insurance Agency Inc | 5713 GRAND AVE, DULUTH, MN, 55807 |
| Travelers | Holden Insurance Agency Inc | 823 Belknap St Ste 121, Superior, WI, 54880 |
| Farmers | Holly Hakkila Wisocki | 4891 Miller Trunk Hwy Ste 105, Hermantown, MN, 55811 |
| Allstate | The Ins Capitol | 405 E Superior St Ste 150, Duluth, MN, 55802 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Proctor city, Minnesota | $151 | $201 | $302 |
| Hermantown city, Minnesota | $156 | $208 | $312 |
| Arnold CDP, Minnesota | $153 | $204 | $306 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Duluth, MN | 6.9% | 18.7% |
| Proctor | 6.47% | 20.45% |
| Hermantown | 5.83% | 21.84% |
| Arnold | 5.48% | 21.64% |
| Duluth Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 529 | 3.0% | $341 |
| $200 to $299 | 971 | 6.0% | $791 |
| $300 to $499 | 1,898 | 13.0% | $1241 |
| $500 to $749 | 4,758 | 33.0% | $1916 |
| $750 to $999 | 3,198 | 22.0% | $2666 |
| $1,000 to $1,499 | 1,630 | 11.0% | $3791 |
| $1,500 or more | 1,029 | 7.0% | $5441 |
| Streets in Duluth Area | Homeowners Insurance Cost |
|---|---|
| Getchell Rd, Malstrom St, Madison St, 87th Ave W, Cliff Ave, N 8th Ave W, E Saint Marie St, Howard Gnesen Rd, N 20th Ave W, S 40th Ave E | $1,009 |
| Springvale Ct, Saint Louis Ave, S 32nd Ave E, Howard Gnesen Rd, N 57th Ave W, W Palm St, Lightning Dr, Wildlife Dr, Snelling Ave, Sherburne St | $1,126 |
| S 20th Ave E, Twp Rd 5482, Co Rd 589, Hotel Duluth, S 72nd Ave W, N 24th Ave W, Desota St, Alderberry Dr, Grove St, Riley Rd | $1,024 |
| 91st Ave W, Trails End Dr, Hicken Rd, Midway Ave, Appalachian St, Twp Rd 5484, N 71st Ave E, Invader St, Kissel Ave, Vermilion Rd | $1,020 |
| Sherburne St, Pitt St, Oakland Ave, Lawn St, N Ebony Ave, Co Hwy 48, Graysolon Rd, 106th Ave W, Krueger Junction, S 57th Ave W | $1,018 |
| Foxtail Ave, Elder Cir, E Faribault St, Ridge Cir, Highland Village Dr, Milford St, Garden Park Dr, Columbia St, Fauvelle Rd, Fremont St | $947 |
| Ugstad Junction Rd, Lavaque Byp, S 47th Ave E, N Robin Ave, Terrace St, Taylor Cir, Co Rd 297, Coleman St, S Cascade St, Jackson Dr | $1,020 |
| Albion Aly, Tioga St, Skyline Pkwy E, Park Pl, Isanti St, Dogwood Ln, Westwood Rd, S 42nd Ave W, Devonshire St, 87th Ave W | $953 |
| Rutter Rd, W Reis St, Daveau Rd, 31st St S, S 21st Ave E, Okerstrom Rd, Ivanhoe St, Marko Dr, N 11th Ave W, Co Hwy 73 | $1,041 |
| Vinland St, Traders Ct, N 51st Ave E, Cambridge St, Coachlight Cir, Ratika Rd, Ponderosa Ave, Lyons St, Thompson St, Oneida St | $1,008 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Duluth | $150 to $152 |
| Proctor | $150 |
| Hermantown | $156 |
| Arnold | $153 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,100 | $2,100 |
| Yearly Duluth Homeowner Insurance Premium Example | $700 | $500 |
| Out of Pocket Expense During Claim | $1,100 | $2,100 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $6,700 | $6,100 |
| Net Savings to Duluth Home Owner from High Deductible Plan | $600 | |
| Scenario | Duluth, MN Home Replacement Value MORE than Home Value | Duluth, MN Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $236,500 | $165,000 |
| Insurance Premium based on Replacement Value | $1,825 | $1,275 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $39,000 | Risk Exposure from Under Insuring Coverage is $32,500 |
| Premium Impact | Insurance cheaper by $250/year | Insurance costlier by $300/year |
| Insurance Company | Chubb Group of Insurance | State Farm | Nationwide Insurance |
| Monthly Premium | 130 | 75 | 112 |
| Year Built | 1964 | 1942 | 1980 |
| Home Details | 5 Beds, 1 Baths | 4 Beds, 1 Baths | 3 Beds, 1 Baths |
| Coverage Amount | $250000-$300000 | $250000-$300000 | $175000-$200000 |
| Deductible | $1000-$2500 Deductible | > $10,000 Deductible | $500 Deductible |